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UK Salary Calculator

Work out your take-home pay for the 2026/27 tax year after Income Tax and employee National Insurance — with monthly, weekly and effective-rate figures.

Your salary

£

Your salary before tax, National Insurance and other deductions.

Take-home pay for 2026/27 Effective rate —
£—
Income Tax£—
National Insurance (employee)£—
Total deductions£—
Take-home pay£—
Per month £— · Per week £—
Uses England, Wales & NI rates. Scotland sets its own Income Tax bands. No pension, student loan or other deductions are modelled.

Rates apply to the 2026/27 tax year (6 April 2026 – 5 April 2027). Sources: GOV.UK — Income Tax rates · GOV.UK — National Insurance rates and allowances. Rules and thresholds can change — check the latest official guidance before making financial decisions.

How it works

Enter your annual gross salary and the calculator estimates your take-home pay for 2026/27. It deducts Income Tax (using your Personal Allowance and the 20/40/45% bands) and employee National Insurance (8% between the Primary Threshold and Upper Earnings Limit, then 2%). The result shows your take-home pay for the year, month and week, plus your effective rate of deductions.

Example calculation

For a gross salary of £50,000 in 2026/27 (England, Wales or Northern Ireland):

  • Income Tax: £7,486
  • National Insurance: 8% on (£50,000 − £12,570) = £2,994.40
  • Total deductions: ≈ £10,480.40
  • Take-home pay: ≈ £39,520 a year, about £3,293 a month and £760 a week
  • Effective rate: about 21% of gross salary

Example is for 2026/27 rUK rates. It ignores pension contributions, student loans, benefits and the Marriage Allowance, which can change take-home pay.

Methodology & formula

Take-home pay = gross salary − Income Tax − employee National Insurance.

  • Income Tax = taxable income × band rates, where taxable income = salary − Personal Allowance (£12,570). Bands: 20% up to £50,270 gross, 40% up to £125,140, 45% above. The Personal Allowance tapers above £100,000.
  • National Insurance (Class 1, employee, category A): 8% on earnings between £12,570 and £50,270, then 2% on earnings above £50,270.
  • Monthly = annual ÷ 12; weekly = annual ÷ 52.

The calculator uses the standard rates for a non-deferred employee in England, Wales or Northern Ireland. It does not model pension auto-enrolment, salary sacrifice, student loan repayments, benefits-in-kind or the Marriage Allowance.

UK-specific information

  • Income Tax (rUK): Personal Allowance £12,570; 20% basic, 40% higher, 45% additional. Frozen for 2026/27. GOV.UK · 2026/27
  • National Insurance (Class 1 employee): 8% between £12,570 and £50,270, 2% above £50,270. Rates and thresholds frozen until at least April 2031. GOV.UK · 2026/27
  • Scotland: Scottish taxpayers have separate Income Tax bands (19%–45%); National Insurance is the same UK-wide. GOV.UK · 2026/27
  • Tax year: 6 April 2026 – 5 April 2027. Employee deductions are normally applied through PAYE.

Frequently asked questions

What is the average take-home pay for a UK salary?
It depends on your salary and where you live. As a guide, a £50,000 salary in England gives roughly £39,520 take-home in 2026/27 before pension and student-loan deductions. Try your own figure in the calculator.
Do I pay National Insurance on my whole salary?
No. Employee National Insurance starts once earnings pass the Primary Threshold (£12,570/year in 2026/27) and the rate drops from 8% to 2% above the Upper Earnings Limit (£50,270/year).
Why doesn't my actual payslip match this?
Your employer may deduct pension contributions, student loan repayments, or benefits-in-kind, and your tax code may differ from the standard one. This calculator shows the standard statutory deductions only.
Does the calculator include pension contributions?
No. Workplace pension auto-enrolment (typically 5% from you, 3% from your employer) is separate and can reduce your take-home pay — but employer contributions do not.
How is monthly pay calculated?
Annual take-home pay divided by 12. Actual months vary slightly because PAYE is applied per pay period.
What about student loans?
Student loan repayments are separate and depend on your plan (Plan 1/2/4/5) and repayment threshold. This calculator does not include them.

Related calculators

UK Income Tax Calculator · UK Savings Calculator · ISA Calculator · Home

Sources

  • GOV.UK — Income Tax rates and Personal Allowances: gov.uk/income-tax-rates (accessed 2026, 2026/27 tax year)
  • GOV.UK — Rates and allowances: National Insurance contributions: gov.uk (accessed 2026)
  • House of Commons Library — Direct taxes: Rates and allowances for 2026/27: commonslibrary.parliament.uk

Casvia provides educational calculators and general information. It does not provide personal financial, tax or investment advice. Rules and thresholds can change — always check the latest official guidance.